Water damage not covered

by Guest » Thu Nov 17, 2011 12:49 pm
Guest

My friend experience immense trouble as during the hurricane season all the power was cut off by a tree who feel on power lines. Her basement flooded with 3 feet of water and damaged her water heater and other items. But her homeowners insurance from a reputed company refused to cover it. Why?
I'm now worried because I might face similar situations later, what if my insurance doesn't pay in such situations?

Total Comments: 2

Posted: Thu Nov 17, 2011 01:16 pm Post Subject:

Depends on what caused the basement to get flooded. Was it due to the accumulation of excessive rain water?

The water damage claim might have been declined, as standard homeowners insurance doesn't cover flood damage.

Water damages of other kinds due to storm and rain might have been covered.

Whether you will be covered or not, really depends on your policy wordings, on your particular situation and also your insurer.

Posted: Thu Nov 17, 2011 07:30 pm Post Subject:

Water damages of other kinds due to storm and rain might have been covered.

Yup, water coming in through the roof from a covered loss would probably be covered... if seeps in from the ground than it's flood and excluded.

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